
The Allstate Corporation (ALL)
ValueMarkers Composite Index
43% below intrinsic value ($370)
The Allstate Corporation (ALL) — VMCI valuation read
Composite valuation read on ALL: VMCI 66/100 against a Financial Services sector median of 50. The 16-point above-median print is the headline number for The Allstate Corporation, and at the mid-cap tier it reflects how the five pillars combine into a single decision-grade score.
Trailing 30-day insider activity for ALL: nothing material on SEC EDGAR. With the Form 4 channel quiet, the price-vs-DCF gap and the trailing margin trend carry more weight in the active read.
**Investor frame.** Value, quality, risk in three lines on ALL: ALL trades at 21.0x earnings, 17% above the Financial Services median of 18.0x; ROIC of 17.0% sits 7.0pp above the Financial Services median (10.0%); net debt to EBITDA of 2.5x is the rate-sensitivity line to watch. EV/EBITDA at 14.0x versus 12.0x for Financial Services closes the value frame.
ALL rose 2.6% over the trailing 7 days, with a -10.4% read on a 30-day basis.
The Allstate Corporation, together with its subsidiaries, provides property and casualty, and other insurance products in the United States and Canada. The company operates through Allstate Protection; Protection Services; Allstate Health and Benefits; and Run-off Property-Liability segments. The Allstate Protection segment offers private passenger auto and homeowners insurance; specialty auto products, including motorcycle, trailer, motor home, and off-road vehicle insurance; other personal lines products, such as renter, condominium, landlord, boat, umbrella, and manufactured home and stand-alone scheduled personal property; and commercial lines products under the Allstate and Encompass brand names. The Protection Services segment provides consumer product protection plans and related technical support for mobile phones, consumer electronics, furniture, and appliances; finance and insurance products, including vehicle service contracts, guaranteed asset protection waivers, road hazard tire and wheel, and paint and fabric protection; roadside assistance; device and mobile data collection services; data and analytic solutions using automotive telematics information; and identity protection services. This segment offers its products under various brands including Allstate Protection Plans, Allstate Dealer Services, Allstate Roadside Services, Arity, and Allstate Identity Protection. The Allstate Health and Benefits provides life, accident, critical illness, short-term disability, and other health insurance products. The Run-off Property-Liability offers property and casualty insurance. It sells its products through call centers, agencies, financial specialists, independent agents, brokers, wholesale partners, and affinity groups, as well as through online and mobile applications. The Allstate Corporation was founded in 1931 and is based in Northbrook, Illinois.
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